Tastyjane's UE diary

[Scrappy Coco]

Re: Tastyjane's UE diary

Remember when dealing with DCA employees - they are lazy.

So make sure that the letters you send them have a valid dispute for the debt - UE, unlawful charges, incorrect balance, incorrect interest rates etc.

Invariably they won't address the issue as they are lazy. Its too much effort. Its far easier to go off and intimidate someone than actually carry out an investigation, costs less money too.

So when you get the next templated letter from them (which you will), you could write back and state 'you have done nothing to address my dispute stated in letter of xx/xx/xxxx. Please stop sending me template letters that do nothing to address the matters raised with you. I will not engage in any further correspondence until such time you comply with my reasonable request. Please note that your refusal to address my legitimate (and it has to be legitimate) dispute, as well as your continued harassment will be kept in file and produced in any defence should you initiate a court claim.

Or words to that effect with the assistance of the legal minds on here!

You will then have much safer ground as you are putting the ball in their court. And they don't like to play ball.

They do like to play with their own balls though thats another conversation.......

I couldn't agree more SnV. Once you start going at them with legitmate disputes they do seem to back off somewhat.

That is mainly down to laziness and not having a clue what they are talking about half the time

Thanks as always

Scrappy Coco

[vint1954]

Re: Tastyjane's UE diary

You also need to be clear about when in 1985 your card was issued. Pre May 85 ( I think it was May ) they do not need to respond in the same way, as CCA 1974 changed in that year. S 78 was introduced.

[tastyjane]

Re: Tastyjane's UE diary

Thanks Vint - I did read that and had a bit of a wobble but according to my paperwork it was 1st August 1985 - phewww so glad about that one and as far as I remember I didn't apply for it was just sent it my ex husband was a TSB bank manager at the time!

Jane x

[nightwatch]

Re: Tastyjane's UE diary

Thanks Vint - I did read that and had a bit of a wobble but according to my paperwork it was 1st August 1985 - phewww so glad about that one and as far as I remember I didn't apply for it was just sent it my ex husband was a TSB bank manager at the time!

Jane x

Hubby has a lloyds CC account from when it was TSB he didn't apply for it either, it started life as a debit card and transformed into a visa card some time later, think he was just asked at the bank if he'd like one, we have sent a CCA request and they just sent back typed T&C but it has this address on them and not the address where we were living at the time it was opened, they also state we would have signed an agreement and will send it when they find it, so any DCA that takes it up will always get a SWID letter

[tastyjane]

Re: Tastyjane's UE diary

I hadn't thought about where I lived when I took it out it was my first house a long way away from here - it will be interesting when I apply for my CCA

Jane x

[oldyboy]

Re: Tastyjane's UE diary

Hubby has a lloyds CC account from when it was TSB he didn't apply for it either, it started life as a debit card and transformed into a visa card some time later, think he was just asked at the bank if he'd like one, we have sent a CCA request and they just sent back typed T&C but it has this address on them and not the address where we were living at the time it was opened, they also state we would have signed an agreement and will send it when they find it, so any DCA that takes it up will always get a SWID letter

It's a funny old thing that the banks think they can get away with stuff like that, anyone else trying that on would be accused of fraud....

[SXGuy]

Re: Tastyjane's UE diary

Sometimes it makes you feel like writing back and saying, thanks for your letter, i can asure you, i would have laughed and spat in your face.

Thats about as likely as them finding this so called agreement.

[tastyjane]

Re: Tastyjane's EU diary

Egg Money Card

Date commenced - Circa 1999
Approx balance - £10391.54

Date last paid - February 2009
Not Paying

Status - don't appear to have been contacted by anyone since 2009 when they wrote to accept my offer of £5 per month, I stopped paying in Feb 2009.


Account owner - I am assuming still Egg

19.02.13 I received a letter from Marlin today confirming that they do not hold my information on file therefore they have requested a copy of the Agreement, Terms and Conditions and statement of account from the original creditor Barlclays Bank Plc T/A Barclaycard and we will forward to you upon receipt.

Interesting as it was an egg card not ever had a Barclaycard!

I will update when I hear more.

Jane x

[alland]

Re: Tastyjane's EU diary

19.02.13 I received a letter from Marlin today confirming that they do not hold my information on file therefore they have requested a copy of the Agreement, Terms and Conditions and statement of account from the original creditor Barlclays Bank Plc T/A Barclaycard and we will forward to you upon receipt.

Interesting as it was an egg card not ever had a Barclaycard!

I will update when I hear more.

Jane x

Hi Jane,
Barclaycard bought the Egg Card business from them, hence why Marlin say they will contact Barclaycard for your CCA info and not Egg.
It can be favourable for you when accounts change hands as it usually makes the paper chase longer as they attempt to come up with the correct documents.

Good Luck

[tastyjane]

Re: Tastyjane's UE diary

• Capital One Credit Card
  
• Date commenced - I think 2005
  
• Approx balance - £4860.46 (although DCA claiming £4835.46)
  
  
• Date last paid - October 2008
  
• Not Paying
  
  
• Status - about to be served a Statutory Demand
• CCA applied for today - 31.01.13
  
  
• Account owner - Lowell Portfolio I

05.01.13 - SD served dated 15th February - emailed over to Niddy

05.03.13 - Settled - F&F offer accepted Thank goodness for Niddy and Elsa

[ken100464]

Re: Tastyjane's UE diary

That must be such a relief Jane.

Now the rest can get the attention they deserve. Well done you and the team helping. Pleased for you.

[Spud]

Re: Tastyjane's UE diary

So Good news regarding the Capital One account

Take a few moments to breathe again

Onwards and upwards with the others now.......

[jon1965]

Re: Tastyjane's UE diary

Sometimes it makes you feel like writing back and saying, thanks for your letter, i can asure you, i would have laughed and spat in your face.

Thats about as likely as them finding this so called agreement.

Some of the letters I have written would make your toes curl they have been that rude. Of course unlike you I do not really care what they do to me, if they try for a CCJ I will be a pain in the arse to them , if it's a SD I will say thank you very much

[tastyjane]

Re: Tastyjane's UE diary

• Capital One Credit Card
  
• Date commenced - I think 2005
  
• Approx balance - £4860.46 (although DCA claiming £4835.46)
  
  
• Date last paid - October 2008
  
• Not Paying
  
  
• Status - about to be served a Statutory Demand
• CCA applied for today - 31.01.13
  
  
• Account owner - Lowell Portfolio I

05.01.13 - SD served dated 15th January - emailed over to Niddy

Update - Account now closed and settled 04.04.13 email to confirm they will update my credit record that this is now satisfied.

[Undercover Elsa]

Re: Tastyjane's UE diary